Not everyone has perfect credit. Many people cannot qualify for a traditional credit card, and that can present a problem in everyday life. You need a credit card to rent a car, secure a hotel room, and even purchase a plane ticket. When a debit card no longer meets your needs, and you have poor credit, consider a secured card such as the Utilities Employees Credit Union Share-Secured Visa Power Card.
Even if you don’t have perfect credit, you can still find credit cards for your needs with our FREE tool above
However, if you have good credit and do not need a secured card, consider one of the other options available through Utilities Employees Credit Union (UECU). In addition to the secured card, you can also apply for the Visa Power credit card, the Visa Global Acceptance credit card, and finally, if you have equity in your home, you can apply for the Home Equity Visa Platinum credit card.
Rates and Fees of the UECU Share-Secured Visa Power Card
Since the credit limit is secured by an initial deposit that you, as the cardholder, make, the interest rate is lower than many cards. For the UECU card, it is prime + 0%, and can be as low as 3.25%.
There is no annual fee for the credit card, as well as no cost associated with a balance transfer or cash advance.
If you have a credit card with a higher interest rate, you can transfer the balance onto your Share-Secured Visa Power card from UECU for no cost.
Always be sure to do your research on secured credit cards, as there are some available cards that can be very expensive. To learn more about secured cards and how to protect yourself against scams, visit the Better Business Bureau’s website and read its information on “Secured Credit Cards.”
Additional Benefits of the UECU Share-Secured Visa Power Card
Unlike many secured cards, the UECU card offers a rewards program. For every dollar you spend, you can earn up to one point. The points can be saved and then redeemed for a variety of awards, including cash back or even a discount on a personal or auto loan.
In addition, if you use the card while traveling, you are automatically covered with car rental insurance and travel accident insurance.
Take the opportunity to look for other credit cards now for FREE!
- Utilities Employees Credit Union Visa Power Card Credit Card
- Utilities Employees Credit Union Home Equity Visa Platinum Credit Card
- Utilities Employees Credit Union Visa Global Assistance Credit Card
- Merced School Employees Federal Credit Union Visa Share Secured Credit Card
- Community First Credit Union of Florida Shared Secured Visa Credit Card
- Palmetto Citizens Federal Credit Union Visa Share Credit Card
- Vons Employee Credit Union Share Secured Visa Platinum